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Ramon Rafael
Ramón is a 28-year old man who lives in his own house with his life partner and their children, who are 4 years old and 1 month. Ramón supports their household and has been working as a baker for 5 years. This is how he provides his children with what they need daily.

He has decided to request this loan to FUSAI to improve the housing conditions of his family. He will use the loan to buy galvanized layers and wood to repair the ceiling, which is currently damaged and lets the water in when it rains.
View original language description ↓

Ramón de 28 años de edad habita en casa de su propiedad junto a su compañera de vida y sus hijos de 4 años y un mes de edad. Ramón es quien sostiene la economía de su hogar. Desde hace 5 años se gana la vida como panadero y es así como logra llevar el sustento diario a sus hijos. Con el fin de dar mejores condiciones habitacionales a su familia ha tomado la decisión de solicitar este crédito a FUSAI para invertir en la compra de lámina galvanizada y madera para reparar el techo de la casa ya que a la fecha se encuentra dañado y cuando llueve se filtra el agua.

Additional Information

More information about this loan

This loan will be administered by FUSAI (Salvadoran Foundation for Comprehensive Development), a Salvadoran NGO that owns Kiva partner Apoyo Integral. FUSAI will disburse this loan in order to reach a population that doesn't currently work with Apoyo Integral. This type of loan covers basic services (like housing and water), and supports small business and agricultural activities. Borrowers come from low-income families in rural and peri-urban communities, and are considered to be too poor or lack the proper guarantees to get credit through traditional banks or microfinance institutions. Before receiving their loans, they are vetted by local community organizations and enrolled in classes in financial literacy, and the importance of sanitation, potable water and clean energy. Additionally, FUSAI enables borrowers to guarantee one another and take out loans smaller than El Salvador's average. Important to note is El Salvador is considered one of the most dangerous countries in the world, holding the 2nd place in the ranking of murders per capita. All these FUSAI borrowers live in areas considered by the police as highly violent and dangerous, mainly because of gangs influence. Main risks they face in these areas are thefts, extortions, kidnappings and murders.

About Apoyo Integral

Apoyo Integral (Apoyo) is a nonprofit organization offering financial products that enable clients to increase their working capital, purchase fixed assets, buy and remodel homes, expand agricultural business and more. The organization’s target group is businessmen and women who have already established their businesses but need financial support to strengthen or expand them.

Like Kiva, Apoyo is committed to empowering women involved in business activities in rural areas. Kiva lenders’ funds will be used to expand these services to an even greater number of poor clients in rural areas.

About Housing Loans

Many poor families cannot afford housing that meets their needs. When you make a housing loan on Kiva, you give people access to flexible capital to obtain or improve their homes. Better housing means better health, sanitation, and even educational outcomes for children. A house can also be much more for entrepreneurs who run businesses out of their homes. In this way, housing and small business loans on Kiva share a common purpose: to alleviate poverty and enable families to enjoy more stable lives.


About El Salvador

  • $7,500
    Average annual income
  • 725
    View loans »
    El Salvador Loans Fundraising
  • $26,313,525
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD

Success!! The loan was 100% repaid

A loan of $400 helped Ramon Rafael to buy galvanized layers and wood to repair the ceiling of his house.
100% repaid
Repayment Term
14 months (Additional Information)
Repayment Schedule
Oct 31, 2013
Nov 4, 2013
Currency Exchange Loss:
Dec 19, 2013